FReD, actions taken and concrete achievements

FReD has proved its worth in five years, thanks to the involvement of the entities and motivation of their teams. These actions have allowed us, for example, to build CSR into our purchasing policy, reduce our use of such raw materials as energy and paper, define insurance products and services for caregivers, upgrade social coverage for our International Retail Bank employees, start introducing environmental, social and governance risks in the analysis of loans to businesses, and to formalise our proactive sectorial climate policies.